Dr. Rouhanian answers the age old question if you don’t use your dental insurance, do you lose it? In short yes! If you don't use all of your dental insurance benefits this year, you lose them forever! That's right - no dental plan we know of allows you to carry unused benefits over to the following year, so don't let those remaining benefits go to waste!
It’s November and we wanted to send a gentle reminder to all our patients who have unscheduled treatments. We recommend scheduling soon. Every year around the last few weeks we get many calls from patients who are trying to come in and get their treatment scheduled due to the loss of benefits at year end. It’s a very busy time for us and this can be a frustrating experience as a patient because Thanksgiving and Christmas eat up work days and our schedules fill up quickly and many patients end up not using their benefits because they reach out to us too late in the year. Don’t let that happen to you...call and schedule as early as possible this year. If you things you need done, be sure to maximize your insurance benefits. This way you will not have to pay more out of your pocket than you need too. Here are 5 reasons to use your dental benefits before the end of the year:
Your dental plan gives you a maximum of what can be spent on your dental care on an annual basis. This amount varies between insurance companies, and averages around $1500 per person per year. These maximums are typically reset at the end of the year, and if you have unused benefits, they will be forfeited.
The deductible is the amount of money that you pay out of pocket before your benefits begin to take effect. The fee varies between insurance companies and could be higher if you prefer to see a dentist that is out of your network. When your plan rolls over, you are required to pay your deductible again to start taking advantage of your benefits.
If you are paying for dental benefits, you should be taking advantage of them! This sounds simple, but there are many people that do not exercise their benefits and let the insurance company take that money away from you, and put it straight into their own pockets.
Another reason to use your benefits now is because it is always possible that fees will be raised to accommodate for the cost of living or increased material costs. An increase in fees can also raise your copay for the treatment.
By delaying treatment, you may be opening the door for more extensive treatment to be needed in the future. What may be a simple cavity now can turn into a root canal, crown or extraction/implant down the road and cost you thousands. Treat your teeth with care now, and they will thank you for it in the long run.
If you have been postponing dental treatment, contact our office today to get in ahead of the rush for appointments at year end. We also have various financing options available to help with any portion that is not covered by your dental insurance. Please just accept this as a reminder to get appointments set ASAP and also to make sure you enjoy the full benefits of your dental insurance.